Key Moment Workshops

Plan The Way Foundation provides a series of KEY MOMENT workshops for the parents of our students to help prepare them for the different events in their lives . Whether it is paying for college, buying something new, or planning for retirement. The workshops are divided into six (6) categories:

College Planning Series

With college tuition prices continuing to increase while financial aid decreases, how are families supposed to pay for college? Learn about the different strategies involved in lowering out of pocket expenses, maximizing aid, filing financial aid applications (FAFSA, etc.), comparing colleges, and more.

• Admissions

  Discover the ins and outs of the admission process and how you can go through it stress free.

• Financial Aid/FAFSA

  What is involved in the financial aid process and do I have to be a part of it. Discover the FAFSA form and how to fill it out and the impact it has on financial aid.

• Saving for College

  Are you preparing for college expenses? There are many vehicles to use for saving for your child's college expense. Learn about the different options and how they affect financial aid, taxes and retirement.

• Student Positioning

  College admittance has become very competitive. Come learn how to position your student to take advantage of his/her strengths and make them stand out in a crowd.

WOMEN ONLY! Series

There are many challenges women face in retirement planning - how much to save, where to save it and when and how to spend so as not to outlive your assets.

• Understanding Financial Terms

  Become comfortable with the various terms that advisors, insurance agents and planners use today. Learn the difference between an advisor, agent, broker, dealer and more.

• Financial F.A.C.T.S.

  Understand how the financial world works and how to make it work for you. Are you getting the right advice for your situation to keep you on track to meet your financial goals?

• Investing

  This workshop will discuss the basics of investing. How to identify your comfort level, the different types of investment services, the risk–reward and costs associated with the different types of products.

• Retirement

  This workshop will discuss how to prepare for retirement, the impact of inflation, taxes and the stock market. How to go from accumulation to distribution in an orderly fashion

Retirement Series

This series of workshops will address the events that affect your retirement, before and after you retire, and how to plan for them in a structured manner.

• Senior Money Management

  Whether you're a baby boomer planning for retirement, a senior living on a fixed income, or anyone looking for better returns on your investments, here is information that can help you reach your financial goals.

• Taking Money Out of Retirement Accounts

  Understanding the tax implications, penalties, fees, and options for taking money out of your retirement account is important. How will the choices you make impact your future, beneficiaries, etc.

• IRA and Legacy Planning

  Understand how to make sure that your heirs are getting the most benefit from your legacy while still maintaining control of your assets.

• Estate Planning

  Estate planning involves the will, trusts, beneficiary designations, powers of appointment, property ownership, gift, and powers of attorney. Estate planning typically attempts to eliminate uncertainties over the administration of a probate and maximize the value of the estate by reducing taxes and other expenses.

Financial Fitness Series

This series of workshops discusses topics that will address the issues of credit, debt, and how they impact every facet of your life. We will break open the components of the credit score and discuss how to improve and protect it.

• Credit and Debt Management

  Credit can be a great financial tool but when it is not used properly it can create serious debt problems. This session will discuss ways to use credit wisely and how to manage and eliminate debt.

• Your Solutions to Today�s Problems

  Do you have a long term plan? How is your money allocated and what impact will it have on future wealth? Understand how the risks you take today could affect your future and the protection of your families financial well-being.

• Financial Checkup

  Discover if you are on the right track to meet all your financial goals. If not, what can you do to right the ship and create a stress free lifestyle and retirement.

• My Credit Score is What?

  Understand the different reporting companies and what has an impact on your credit score. Learn how to repair and correct errors on your credit and what you can do to protect yourself in the future.

Protection Series

This series of workshops talks about how to maximize your legacy, protect yourself financially and grow your assets to accommodate future needs.

• Final Expense Planning

  Planning your funeral may not be fun, but it does show your love by easing the burdens of those left behind. Do something that will reduce their stress, allowing them the time to grieve instead of dealing with all the decisions that will need to be made.

• Identify Theft � Impact on You & Your Children

  How many types of identity theft are there and who do they impact? What can be done to protect yourself and your family from this crime and how can I be proactive in fighting against this happening to me.

• Long Term Care � When To Worry

  When should I start being concerned about my ability to provide for my own well being and what are my options if I should need assistance? These questions and more will be discussed in this workshop.

• Charitable Giving

  Do you have a favorite charity or a cause you feel strongly about? Learn about the strategies that can help you more effectively craft your legacy. Give now, give when you die, and structure gifts to pay you income.

Special Interest Series

This series is a group of topics that have importance on your life but are not necessarily related.

• Becoming My Own Bank

  What does it mean to become your own bank? Start purchasing and paying yourself instead of a bank or other lender - earn interest for yourself and do this tax free.

• Tax 101

  Are you benefitting the most from your tax planning? Understand the difference between tax planning and tax preparation, current law changes, the most common tax mistakes people make and the impact on distribution of qualified investment plans.

• Veteran�s Benefit

  What is the VA Benefit and what do I have to do to qualify? Also understand Improved Pension and Aid and Attendance.

• Buying A New Home

  What to look for when buying a new home. What are points, mortgage insurance, closing costs and how do they affect your loan. What are the myths about home financing. Why use a bank or a broker? These topics and more will be discussed.

• Selling Your Home

  We will discuss the different strategies for listing, financing and the tricks to make your home stand out. What mistakes to avoid when selling in today's market.

• Refinancing DO�s and DON�Ts

  What to look for in a bank or broker when refinancing. When should you refinance and what to be careful of when do.

• Legal Q and A�s

  We will discuss many legal terms and services and what impact they have on you and your family. How to avoid probate, what is a living will, power of attorney and other critical topics to help you protect you, your family and assets.

• Planning Your Future with Annuities

  Annuities can help build more value over time by providing potential growth that is tax deferred. In addition to tax advantages, annuities also offer a choice of investment options. Together, these features make annuities attractive to those who seek investments that can help supplement future retirement benefits, and to retirees who want greater control over their income and the flexibility to continue deferring taxes on investment earnings.

• Medicare � What�s New, What�s Not and How Am I Impacted

  This workshop will discuss the changes for 2012 and the impact on those enrolled or enrolling. What are the tax consequences, the effect on my income, changes to my healthcare.